California Community Bank in Escondido, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


California Community Bank - Overview

  • General
  • FDIC Certificate #: 57533
    Status: Active
    Federal Reserve ID: 3206399
    Date Established: August 11, 2003
    WWW: http://www.calcommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 365160
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 11, 2003
    Last Structure Change Effective Date: May 28, 2007
    Last Structure Change Process Date: May 30, 2007
    Last Data Update: May 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1320 West Valley Parkway, Suite 301, Escondido, CA 92029
    County: San Diego
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Orange
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Diego, CA (#7320)
    Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740)
    CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $243.8 mil
    Equity capital: $25.8 mil
    Deposits held in domestic offices: $217.1 mil
    Return on assets (ROA): 0.37% ($0.9 mil)
    Quarterly return on assets: 0.29% ($0.7 mil)
    Return on Equity (ROE): 3.43% ($0.9 mil)
    Quarterly return on equity: 2.73% ($0.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.65% ($1,584.5 mil)
    Quarterly Pretax return on assets: 0.54% ($1,316.4 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $243,775Total assets
  • $63,149Cash and due from depository institutions
  • $59,061Interest-bearing balances
  • $19,702Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $156,345Net loans & leases
  • $3,342Loan loss allowance
  • $0Trading account assets
  • $317Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $243,775Life insurance assets
  • $4,262All other assets
  • $217,974Total liabilities and capital
  • $217,128Total liabilities
  • $167,551Total deposits
  • $217,128Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $846Subordinated debt
  • $25,801All other liabilities
  • $25,801Total equity capital
  • $25,801Total bank equity capital
  • $0Perpetual preferred stock
  • $24,875Common stock
  • $813Surplus
  • $113Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,099Income earned, not collected on loans
  • $0Earning assets
  • $483Long-term assets (5+ years)
  • $235,108Average Assets, year-to-date
  • $90,070Average Assets, quarterly
  • $236,358Volatile liabilities
  • $242,678Insider loans
  • $169,605FHLB advances
  • $246,131Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,152Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $53,992Restructured Loans and leases
  • $5,807Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,723Total interest income
  • $1,702Total interest expense
  • $8,021Net interest income
  • $485Provision for loan and lease losses
  • $432Total noninterest income
  • $0Fiduciary activities
  • $287Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $6,430Total noninterest expense
  • $3,532Salaries and employee benefits
  • $1,178Premises and equipment expense
  • $1,720Additional noninterest expense
  • $1,538Pre-tax net operating income
  • $0Securities gains (losses)
  • $674Applicable income taxes
  • $864Income before extraordinary items
  • $0Extraordinary gains - net
  • $864Net income attributable to bank
  • $0Net charge-offs
  • $864Cash dividends
  • $127Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 3.43%Return on equity (ROE)
  • 3.43%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 381.89%Credit loss provision to net charge-offs
  • 15.93%Efficiency ratio
  • 76,068Assets per employee
  • 6.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 81.53%Noncurrent assets plus other real estate owned to assets
  • 1.68%Noncurrent loans to loans
  • 2.57%Net loans and leases to deposits
  • 72.01%Net loans and leases to core deposits
  • 76.54%Equity capital to assets
  • 10.58%Core capital (leverage) ratio
  • 10.22%Tier 1 risk-based capital ratio
  • 14.83%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $236,358Average earning assets
  • $25,223Average equity
  • $227,092Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0365160California Community Bank1320 West Valley Parkway, Suite 301, Escondido, CA 92029August 11, 2003Full Service Brick and Mortar
    1433592Vista Branch905 S. Santa Fe Avenue, Vista, CA 92084December 21, 2004Full Service Brick and Mortar
    2463360Escondido Branch1334 West Valley Parkway, Suite 402, Escondido, CA 92029May 28, 2007Full Service Brick and Mortar
    3465477Miramar Office Branch8996 Miramar Road Sutie 100, San Diego, CA 92126December 15, 2006Full Service Brick and Mortar
    4478454Encinitas Office Branch851 S Coast Highway 101 Ste 300, Encinitas, CA 92024June 16, 2008Full Service Brick and Mortar

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